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I have a decent amount of cards and a 68% utilization. My question is, is it more important to lower over all untilization, or to get cards away from being near their limits?
So you are saying total utilization is more important that individual? You dont get dinged for having 90% on one card, just the total being 68.9%?
This is a great topic? I like how you explained this! My question to you......
Is this the same for closed accounts? I have 4 American Express cards that are closed and they are reporting a balance. Each of them a $1000.00. If I pay them under the original credit balance will this increase my score although the cards are closed?